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fin.health-insurance-break-even Calculator
Calculates break-even medical spend comparing an HDHP (with HSA) vs. a PPO plan from premiums, deductibles, and expected utilisation. If annual medical spend stays below the break-even point, the HDHP wins — the HSA tax benefit accelerates the advantage.
Inputs
Hdhp Premium Monthly
Reference formula or conversion factor shown for context.
Ppo Premium Monthly
Reference formula or conversion factor shown for context.
Hdhp Deductible
Reference formula or conversion factor shown for context.
Ppo Deductible
Reference formula or conversion factor shown for context.
Hsa Employer Contribution
Reference formula or conversion factor shown for context.
Expected Medical Costs
Reference formula or conversion factor shown for context.
Results
HDHP total cost
The combined total across all inputs and components.
PPO total cost
The combined total across all inputs and components.
HDHP savings vs PPO
Total money or resources saved compared to the baseline or alternative scenario.